Mondu is a Berlin-based B2B payments platform that lets European SMEs buy from suppliers on flexible terms without traditional credit checks. Rather than forcing businesses to pay upfront or wait for invoice financing, Mondu lets them settle invoices later through a frictionless checkout experience embedded directly into supplier websites. The company targets a structural gap in European commerce: most SMEs still exchange paper invoices and rely on bank transfers, while payment terms remain a brutal negotiating point between unequal partners. Mondu flips this by making deferred payment the default, not the exception. For suppliers, it's a checkout option that doesn't cannibalize cash—Mondu covers the risk. For buyers, it's working capital on demand without the application grind. The platform integrates with accounting software, so late payments become a solved problem, not a cash flow crisis. In a market where alternatives still require days of underwriting, Mondu's instant approval for repeat buyers feels almost radical. It's part of a broader European shift toward embedded finance and instant credit, but Mondu has positioned itself squarely at the invoice level—where the friction actually matters. The company has raised significant backing from investors betting on a future where B2B payments look less like banking and more like consumer fintech.